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Your Money, Your Wealth

Making fun of finance. A US News & World Report “Top 9 Personal Finance Podcast” (2025) and “Top 12 Retirement Podcast” (2023). One of the “10 Best Personal Finance YouTube Channels” (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020-2024). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA answer your money questions and spitball on your 401k, IRA, Roth conversions and backdoor Roth IRA, how to pay less taxes, asset allocation, stocks and bonds, real estate, and other investments, Social Security benefits, capital gains tax, 1031 exchange, early retirement, expenses and withdrawals, and more money and wealth management strategies. YMYW is retirement planning, investing, and tax reduction made fun, presented by Pure Financial Advisors – a fee-only financial planning firm. Pure Financial adheres to the fiduciary standard of care, in which we are required by law to act in the best interest of our clients at all times. Access free financial resources and episode transcripts, Ask Joe & Big Al On Air to get your Retirement Plan Spitball Analysis: http://YourMoneyYourWealth.com

Copyright: © Pure Financial Advisors, LLC

Latest Episodes:

Will the Tax Cuts and Jobs Act Be Extended? - 524 Apr 08, 2025

Show notes

Will your taxes go up? Stay the same? Go down, even? Jeffrey Levine is Chief Planning Officer at Focus Partners, Professor of Practice in Taxation at the American College of Financial Services, and the Lead Financial Planning Nerd at Kitces.com. In other words, he's one of the savviest tax minds in the country. Jeff returns to the show today on Your Money, Your Wealth® podcast number 524 with Joe Anderson, CFP® and Big Al Clopine, CPA, with his thoughts on what will happen to taxes under the new administration, saving for retirement in a Roth IRA vs. a traditional IRA, managing inherited retirement accounts, and the future viability of Social Security. Plus, what should you do with required minimum distributions when you don't need the money to live on? How do you calculate the maximum amount you should convert from your retirement account to a tax-free Roth account, and how much should you convert - or not - to keep RMDs under control? Finally, how can minor beneficiaries avoid probate?

Free financial resources & episode transcript: https://bit.ly/ymyw-524

LIMITED TIME SPECIAL OFFER: DOWNLOAD The DIY Retirement Guide by Friday April 11, 2025!

WATCH Take Control of Your Retirement Plan on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:05 - Will These Historic Low Tax Rates Be Extended? Insight from Jeff Levine, CFP®, CPA/PFS, ChFC®, RICP®, CWS, AIF, BFA™, MSA

19:54 - Make These 3 Investments for a Happy Retirement and Watch Take Control of Your Retirement Plan on YMYW TV

21:06 - What to Do With Required Minimum Distributions When You Don't Need the Money to Live On? (Judi, San Diego)

24:40 - How Much NOT to Convert to Roth to Keep RMDs Under Control? (DH from SoCal)

32:26 - LIMITED TIME SPECIAL OFFER: Download the DIY Retirement Guide by Friday, April 11, 2025!

33:39 - How to Calculate How Much Roth Conversion I Should Do? (Joe, voice)

38:42 - How Can I Reduce My Required Minimum Distributions? (Joel, CA)

40:18 - How Can Minor Beneficiaries Avoid Probate? (Esther, San Francisco)

46:04 - YMYW Podcast Outro

These Three Investments Make for a Happier Retirement - 523 Apr 01, 2025

Show notes

What are the three predictors of retirement happiness? Dr. Michael Finke, CFP® from the American College of Financial Services tells us what his research shows. He also shares his insights on the four percent rule for retirement withdrawals and whether there is anything we can do to stave off the effects of aging on our cognitive abilities. That's today on Your Money, Your Wealth podcast number 523 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joe and Big Al do some retirement spitballing: can Jon in Pennsylvania retire early at age 56, and would it be better for him to take his pension monthly or as a lump sum? Steve and his wife in Colorado are 48 and 54 and have $3 million saved. When can they retire? Eager Eagle and his wife in Washington state have $2 million saved at ages 61 and 63. Can they retire next year?

Free financial resources & episode transcript: https://bit.ly/ymyw-523

DOWNLOAD The Retirement Lifestyles Guide

DOWNLOAD The Social Security Handbook

WATCH: Social Security Basics You Need to Know: Common Social Security Questions Answered on YMYW TV

WATCH/LISTEN: What's Your Retirement Income Style?

ASK Joe & Big Al for your Retirement Spitball Analysis

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Choosing Your Retirement Income Style and Top 5 Ways to Manage Market Volatility - 522 Mar 25, 2025

Show notes

What is your retirement income style? Dr. Wade Pfau, CFA, RICP®, is the co-founder of RISAprofile.com, providing investors with retirement income style awareness. He returns to Your Money, Your Wealth® today on podcast number 522 to talk about four different styles of retirement income, distribution planning and the four percent rule. Plus, what does Dr. Pfau think will happen with President Trump's 2017 tax cuts, scheduled to sunset at the end of this year? What are Dr. Pfau's thoughts on annuities as part of your retirement plan? Next, "Joe Anderson's Top 5 Things" to help you manage the impact of all this market volatility on your portfolio. Also, Joe Anderson CFP® and Big Al Clopine, CPA spitball for "Al Bundy" in St. Louis: what withdrawal strategy makes sense for him, and what he should do with his IRA and 401(k) money?

Free financial resources & episode transcript: https://bit.ly/ymyw-522

DOWNLOAD the Recession Protection Guide

DOWNLOAD The Tax Planning Guide

WATCH Escape These 11 Tax Traps and You'll Save in Retirement on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:00 - Retirement Income Style, Tax Laws, and Annuities with Dr. Wade Pfau

16:39 - What's the Future of Your Social Security? Watch Last Week's YMYW Podcast & Subscribe on YouTube

17:08 - Joe Anderson's Top 5 Things: How to Manage Market Volatility

26:27 - Learn to Escape These 11 Tax Traps and You'll Save in Retirement on YMYW TV, Download the Tax Planning Guide

27:13 - What Should I Do With My IRA and 401(k)? I'm 61 and Have $10M. (Al Bundy, St. Louis)

00:00 - YMYW Podcast Outro

What's the Future of Social Security Under the New Administration? - 521 Mar 18, 2025

Show notes

What does the future hold for your Social Security under the new Trump administration and Elon Musk's DOGE, the Department of Government Efficiency? Nationally-renowned financial thought leaders Jamie Hopkins, Jeff Levine, Eric Ludwig, and Steve Parrish share their insights with Big Al Clopine, CPA at the American College of Financial Services' Horizons Conference in San Diego, CA on Your Money, Your Wealth® podcast 521. First, the College's President, George Nichols, gives a brief overview of the institution and their inaugural conference.

Plus, Joe Anderson, CFP® and Big Al spitball on whether Ricky and Lucy in Wisconsin even bother saving for retirement - they're expecting to inherit about 20 million dollars. When should Tybob in Arizona collect Social Security? Are Roth conversions right for him? Should he go for Medicare or Medicare Advantage? Speedy Racer in Georgia needs a retirement spitball, and Gilligan in New York shares insight for other Gilligans trying to avoid a retirement shipwreck.

Free financial resources & episode transcript: https://bit.ly/ymyw-521

DOWNLOAD the Social Security Handbook

WATCH Are You Ready for Retirement? On YMYW TV

DOWNLOAD the Retirement Readiness Guide

DOWNLOAD the Key Financial Data Guide

READ about all of today's guests

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:10 - The American College of Financial Services and The Horizons Conference with George Nichols III, CAP®

03:59 - What is the Future of Your Social Security Under the New Administration?

13:11 - Watch Are You Ready to Retire? on YMYW TV and Download the Retirement Readiness Guide

14:05 - Should We Bother Saving for Retirement? We're Inheriting $20M. (Lucy & Ricky, WI)

19:05 - When to Claim Social Security? Should I Do Roth Conversions? Medicare vs. Advantage? (Tybob, AZ)

23:28 - I'm 50 With $2.4M Saved. Should I do 72(t) Tax Elections and Retire Right Now? (Speedy Racer, North GA)

33:12 - Download the Key Financial Data Guide for free

34:30 - Comment: Your Podcast Is Impactful for the "Gilligans" (Gilligan, NY)

40:48 - Next Week on the YMYW Podcast

Haven't Yet Saved a Million. Can We Still Retire Early? - 520 Mar 11, 2025

Show notes

Martin and Caterina in Green Bay are in their 40s and haven't yet saved a million bucks. Are they on track to retire at age 58? Can Piggie and Kermit in California retire today at ages 50 and 57 and still build wealth for their children? Can Galahad and Zoot in Chicago retire early in their 50s, or do they need to keep working? Do Bo and Daisy have enough saved to retire now at 61 and 56? Plus, Chuck in South Carolina asks, if you can retire early, why wouldn't you? Spitballing early retirement, today on Your Money, Your Wealth® podcast 520 with Joe Anderson, CFP® and Big Al Clopine, CPA.

Free financial resources & episode transcript: https://bit.ly/ymyw-520

WATCH this episode on YouTube

WATCH Don't Make These 10 Will and Trust Mistakes on YMYW TV

DOWNLOAD the Estate Planning Organizer

CALCULATE your Financial Blueprint

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

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Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:48 - In Our 40s and Haven't Hit a Million Yet. Are We On Track for Retirement? (Martin & Caterina, Green Bay - voice)

10:29 - We Have Over $5M. Can We Retire Today at 50 and 57 and Still Build Wealth for Our Kids? (Piggy & Kermit, CA)

18:24 - Watch 10 Will and Trust Mistakes to Avoid on YMYW TV and Download the Estate Planning Organizer

19:08 - We're 56 and 52 With $500K. Can I Retire Early at 62? (Galahad and Zoot, Chicago)

25:36 - We're 61 and 56 With $600K. Have We Saved Enough for Retirement? (Bo & Daisy, upstate NY)

33:49 - Calculate Your Financial Blueprint

34:12 - We're 61 and 58 With $1.5M. How Much Can We Spend in Retirement, When Should We Claim Social Security? (Hefwannabe and Jane, OK)

42:19 - If You Can Retire Early, Why Wouldn't You? (Chuck, SC)

48:11 - YMYW Podcast Outro

What's a Safe Withdrawal Rate in Retirement? (So You Won't Run Out of Money) - 519 Mar 04, 2025

Show notes

How much do Nick and Nora in Pittsburgh, and Doc Mc Muffin and her Mr. in Minnesota, need to have saved, and how much can they afford to spend in retirement? What are the disadvantages to Fred and Ethel in Virginia if Ethel collects her Social Security early? Are the Moonshiner and the City Girl in Florida so obsessed with avoiding RMDs and IRMAA that they're wasting too much savings on Roth conversions? That's today on Your Money, Your Wealth® podcast 519 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, will the tax benefits on a rental property offset the negative cash flow for Lily's 29-year-old son, who has started his professional career with a $750K salary?

Free financial resources & episode transcript: https://bit.ly/ymyw-519

DOWNLOAD the Withdrawal Strategy Guide for free

LIMITED TIME OFFER: Download the Money Makeover Guide by this Friday, March 7! Watch Complete Money Makeover: How to Do a Financial Facelift on YMYW TV

YMYW Accolades on Feedspot and Goodpods

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:51 - How Much Should We Have Saved Before Retirement? (Nick & Nora, Pittsburgh, PA)

12:01 - Download the Withdrawal Strategy Guide for free

12:38 - We're 40 with $2.7M Saved. Spitball on What We're Missing. (Doc McMuffin, MN)

18:40 - Any Disadvantages to Claiming Social Security Early? (Fred & Ethel, VA)

26:11 - Am I Overly Obsessed with Reducing RMDs and IRMAA, Wasting too Much on Roth Conversions? (The Moonshiner and the City Girl, Orange Park, FL)

34:52 - LIMITED TIME OFFER: Download the Money Makeover Guide by this Friday, March 7! Watch Complete Money Makeover: How to Do a Financial Facelift on YMYW TV

35:36 - Son Makes $750K. Will Rental Property Tax Benefits Offset Negative Cash Flow? (Lily, CA)

40:32 - Joe and Big Al's Very First Jobs

44:18 - YMYW Accolades on Feedspot and Goodpods

Should You Switch Retirement Contributions to Roth? - 518 Feb 25, 2025

Show notes

Is it better to save for retirement in traditional 401(k)s and IRAs, or in Roth accounts? That's today on Your Money, Your Wealth® podcast 518 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, what are the rules around contributing to two different types of Roth accounts? If required minimum distributions will be staggered because of a couple's age difference, should they convert their retirement savings to Roth, or leave it alone? But first, Joe and Big Al have a backdoor Roth conversion withdrawal debate to settle.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-518

DOWNLOAD The Ultimate Guide to Roth IRAs for free

WATCH Will Your Money Last Through Retirement? on YMYW TV

DOWNLOAD The Retirement Lifestyles Guide for free

WATCH Is a Market Correction Coming in 2025? Q&A and Feedback (YouTube Exclusive)

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

01:02 - Can Backdoor Roth Conversions Be Withdrawn at Any Time? (Tyler, Arlington, VA)

06:11 - Am I Allowed to Have Two Roth Accounts? Should I Use My Roth 403(b)? (Kimberly, NY)

07:06 - Should I Switch Contributions from Traditional TSP to Roth? (Kate, Cleveland, OH)

11:47 - Download the Ultimate Guide to Roth IRAs for free

12:43 - Self-Insuring Long-Term Care: Traditional IRA or Roth? (Neo, San Clemente, CA)

18:05 - Our RMDs Will Be Staggered. Should We Convert $4M to Roth or Leave It Alone? (Mike, Western PA)

22:00 - Should I Switch Traditional IRA Contributions to Roth? (Joe, NC)

25:39 - Watch Will Your Money Last Through Retirement? on YMYW TV, Download the Retirement Lifestyles Guide for free

26:31 - Should We Dial Back Pre-Tax Savings and Put More in Brokerage? (Herc & Angel, MA)

31:44 - We Can Mega-Save. What's Our Plan of Attack? Ricky Bobby, Charlotte, NC)

38:42 - Watch "Is a Market Correction Coming in 2025? YMYW Podcast Q&A and Feedback" (YouTube Exclusive)

0% Capital Gains Tax vs. Roth Conversion vs.... a Cruise? - 517 Feb 18, 2025

Show notes

Should Nancy in Washington take out a 401(k) loan and invest it in her brokerage account to catch up on saving for her retirement? When Joe and Big Al talk about having a balanced portfolio of various asset classes like stocks and bonds, Brian in Naperville, Illinois wonders whether that asset allocation strategy takes into account the stabilizing effect of monthly Social Security payments? That's today on Your Money, Your Wealth® podcast 517 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joy and her brother are each inheriting $400,000. How should they each invest it for their very different financial situations? Mike in Colorado has a good guaranteed income stream, so what should he do with the money he's drawing from his taxable IRA every year - convert to Roth, put it in a brokerage account, go on a cruise? And finally, Skipper asks the fellas to spitball on whether he should do Roth conversions or take advantage of zero percent capital gains tax rates. Access free financial resources and the episode transcript: https://bit.ly/ymyw-517

DOWNLOAD the free Retirement Income Strategies Guide

REGISTER for the free Risk Management and Retirement Planning webinar, Wednesday, February 26, 12pm Pacific / 3pm Eastern

WATCH Retirement Rebound: 5 Plays to Help You Score a Comeback on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

CALCULATE your free Financial Blueprint

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Mutual Funds vs. ETFs, Bonds to Bourbon - 516 Feb 11, 2025

Show notes

What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW's legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors.

Access free financial resources and the episode transcript: https://bit.ly/ymyw-516

DOWNLOAD The Investing Basics Guide

WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV

DOWNLOAD The Retirement Readiness Guide

WATCH the full interview with Jeremy Kasler of CaskX

ASK Joe & Big Al for your Retirement Spitball Analysis

CALCULATE your free Financial Blueprint

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube)

12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide

13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys

15:17 - ETFs vs. Mutual Funds Explained (Mike, CO)

18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL)

21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint

22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri)

27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen)

31:46 - Outro: Next Week on the YMYW Podcast

Financial Planning for Marriage, Separation, and Singlehood - 515 Feb 04, 2025

Show notes

Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? That's today on Your Money, Your Wealth® podcast 515 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Famous Missourians want to know, how much is enough for retirement, and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58?

Access free financial resources and the episode transcript: https://bit.ly/ymyw-515

DOWNLOAD The Going Solo Guide for free

WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV

ASK Joe & Big Al for your Retirement Spitball Analysis

SCHEDULE your Free Financial Assessment

SUBSCRIBE to YMYW on YouTube

DOWNLOAD more free guides

READ financial blogs

WATCH educational videos

SUBSCRIBE to the YMYW Newsletter

Timestamps:

00:00 - Intro: This Week on the YMYW Podcast

00:44 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH)

08:20 - Navigating Finances When Separating from Your Spouse (Sebastian, VA)

14:52 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free

15:22 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO)

28:10 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet)

38:29 - Calculate your free Financial Blueprint

39:00 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR)

50:49 - YMYW Podcast Outro

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